Call reports 2018
AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION — 2018
What AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 118,477,000 | 122,011,000 | 123,971,000 | 126,789,000 |
| Total loans | 94,345,000 | 95,118,000 | 97,153,000 | 100,614,000 |
| Allowance for loan losses | 552,000 | 597,000 | 538,000 | 543,000 |
| Securities available for sale | 18,177,000 | 18,032,000 | 17,308,000 | 16,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,935,000 | 97,677,000 | 100,054,000 | 106,333,000 |
| Interest-bearing deposits | 96,724,000 | 96,266,000 | 98,440,000 | 104,754,000 |
| Noninterest-bearing deposits | 1,211,000 | 1,411,000 | 1,614,000 | 1,579,000 |
| Equity capital | 12,970,000 | 13,173,000 | 13,217,000 | 13,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,153,000 | 2,342,000 | 3,579,000 | 4,903,000 |
| Interest expense | 234,000 | 528,000 | 895,000 | 1,295,000 |
| Net interest income | 919,000 | 1,814,000 | 2,684,000 | 3,608,000 |
| Noninterest income | 55,000 | 147,000 | 211,000 | 271,000 |
| Noninterest expense | 750,000 | 1,439,000 | 2,210,000 | 2,863,000 |
| Provision for loan losses | 0 | 48,000 | 48,000 | 81,000 |
| Pretax income | 224,000 | 474,000 | 624,000 | 922,000 |
| Income tax | 22,000 | 77,000 | 110,000 | 151,000 |
| Net income | 202,000 | 397,000 | 514,000 | 771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,501,000 | 13,696,000 | 13,814,000 | 14,070,000 |
| Total capital | 14,053,000 | 14,293,000 | 14,352,000 | 14,613,000 |
| Risk-weighted assets | 73,729,000 | 76,446,000 | 77,533,000 | 79,548,000 |